Frequently Asked Questions

At Belmont Capital, we keep our requirements simple and transparent. To qualify for funding, you’ll need:

• A personal FICO credit score of at least 480

• A business that’s been operating for at least 3 months

• An average gross monthly revenue of $10,000 or more over the last 3 months

Feel free to reach out for personalized guidance — we’re here to help.

Your rate is determined using a combination of factors, including:

• Your bank transaction history

• Cash flow trends

• Credit profile (to a lesser extent)

We use a proprietary algorithm to assess each application individually, ensuring that you receive a fair and tailored offer.

We offer flexible repayment options to fit your business needs. You can choose from:

• Daily, weekly, or monthly ACH debits

• Lockbox payments

• Credit card split payments

We'll work with you to find the repayment structure that works best for your cash flow.

No collateral is required when applying through Belmont Capital. We focus on your business’s performance and cash flow, not your assets. Our goal is to make funding fast, easy, and relationship-driven — not complicated.

Depending on your qualifications and funding structure, terms can extend up to 18 months.

Our fully automated approval process means you can receive funding as fast as the same day you apply. In many cases, funds are deposited within 24 hours of contract signing.